9 April 2019

Pet Insurance For Older Dogs In The UK

Does the age of pet matter for getting insurance?

In short, yes, it does.

Pet insurance for older dogs and cats can be harder to find. This is because an older animal is more likely to require treatment and is more prone to diseases.

Some insurers will only let you take out a new policy if your pet is under eight or nine years of age – or younger for some special breeds.

You’ll have to check your individual policy to make sure that your pet comes into the required age limit. If you stay with the same insurance company, some will insure your pet throughout their life.

It is normally best to start insuring your pet when they are young. This way you won’t have to worry about getting an insurance policy for old dogs or cats as they age and may have pre-existing conditions or cover is more difficult to access.

Are crossbreed dogs cheaper to insure?

Generally, crossbreeds are cheaper to insure. This is because they are not as susceptible to inherited diseases that are more common in pedigree dogs. They are less likely to get an inherited illness.

What does insurance not cover?

Generally pet insurance does not cover pre-existing medical conditions, so policies taken out after the onset of illness won’t be valid.

Therefore, you might want to get insurance for your pet as soon as possible when they are young and healthy, especially if you have a breed that is more likely to suffer problems and diseases.

Many policies also won’t cover routine or preventative treatments, such as vaccinations, flea and worm prevention, neutering/spaying, grooming, and anything relating to pregnancy.

Always check

Cover will vary by insurer so always make sure you check thoroughly and understand what you are buying to ensure that the cover is right for you and your pet.

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